2004 Chevrolet Express Car Insurance Rates – 5 Discounts for Best Quotes

If online car insurance comparisons are new to you, it’s easy to get confused because of the huge number of car insurance companies selling insurance.

It’s important to compare rates before your policy renews since insurance rates change quite often. Just because you had the lowest rates on Express insurance a year ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because we’re going to demonstrate the fastest and easiest way to properly buy coverages while reducing your premium.

Get lower rates on Chevy Express insurance

Car insurance is not cheap, but there could be available discounts that many people don’t even know exist. Some discounts apply automatically at quote time, but lesser-known reductions have to be asked about before they will apply.

  • Driver Safety – Successfully completing a defensive driving course could possibly earn you a 5% discount depending on where you live.
  • Braking Control Discount – Vehicles with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
  • Resident Student – Children who live away from home and do not have a car may qualify for this discount.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on Express insurance than their less cautious counterparts.
  • Government Employees – Employees or retirees of the government can earn a discount up to 10% on Express insurance with a few auto insurance companies.

Consumers should know that most discount credits are not given to all coverage premiums. Some only reduce individual premiums such as liability and collision coverage. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will bring down the cost of coverage.

For a list of companies offering auto insurance discounts, click here to view.

Cheap Car Insurance Comparisons

Most major insurance companies such as Allstate, Geico and Progressive quote insurance quotes directly from their websites. Getting quotes is fairly straightforward as you just type in your coverage preferences as requested by the quote form. After you submit the form their system makes automated requests for your driving and credit reports and returns pricing information.

Being able to quote online helps simplify price comparisons, but the process of having to visit a lot of sites and fill out multiple forms can get tiresome after awhile. Unfortunately, it is important to perform this step in order to find the best price possible.

The quickest way to compare rates uses one form that obtains quotes from more than one company. It’s a real time-saver, requires much less work on your part, and makes comparison shopping much more enjoyable. Once the form is submitted, your coverage is rated with multiple companies and you can pick any or none of the pricing results.

If one or more price quotes are lower than your current rates, it’s easy to complete the application and buy the new coverage. This process takes just a few minutes to complete and you will find out if you’re overpaying now.

In order to find out what other companies charge, simply click here to open in new window and enter your vehicle and coverage information. To compare your current rates, we recommend you enter your coverages just like they are on your policy. Doing this guarantees you will receive rate quotes based on similar coverages.

Tailor your coverage to you

When buying adequate coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether or not you will benefit from professional help.

  • Is upholstery damage covered by car insurance?
  • Are rock chip repairs covered?
  • Am I better off with higher deductibles on my 2004 Chevy Express?
  • Is a blown tire covered by insurance?
  • Is my state a no-fault state?
  • How high should my medical payments coverage be?
  • Who is covered by my policy?
  • Am I covered when driving someone else’s vehicle?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

Advertising myths

Car insurance companies such as Allstate, Geico and Progressive constantly bombard you with ads in print and on television. They all seem to have a common claim about savings if you switch to their company. How do they all make the same claim? This is how they do it.

Different companies can use profiling for the type of driver that earns them a profit. An example of a preferred risk might be between the ages of 40 and 55, owns a home, and drives less than 7,500 miles a year. A customer who matches those parameters is entitled to the best price and is almost guaranteed to save when switching.

Potential insureds who don’t qualify for this ideal profile must pay a more expensive rate which leads to the driver buying from a lower-cost company. Company advertisements say “drivers who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently advertise the savings.

This illustrates why it is so important to quote coverage with many companies. It’s not possible to predict which insurance companies will provide you with the cheapest Chevy Express insurance rates.

Insurance coverage options for a 2004 Chevy Express

Knowing the specifics of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills like pain medications, X-ray expenses, ambulance fees and rehabilitation expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision coverage will pay to fix damage to your Express caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as crashing into a building, backing into a parked car, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like a broken windshield, hail damage, hitting a bird, damage from a tornado or hurricane and damage from getting keyed. The most your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. It protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as repair costs for stationary objects, repair bills for other people’s vehicles, medical services, emergency aid and attorney fees. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Express.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Be a penny pincher

As you go through the steps to switch your coverage, never buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped collision coverage only to find out that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the best price, not the least amount of coverage.

Low-cost 2004 Chevy Express insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

We just presented a lot of tips how to compare insurance prices online. The key concept to understand is the more you quote, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with some of the smallest insurance companies.

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